Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, EdenPark and Fig.Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners’ growth. With a diverse suite of products like residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending. We offer financial solutions tailored to all Canadians, including newcomers, small‑business owners, smart investors and savvy consumers.Backed by nearly a century of lending experience through its legacy companies, Fairstone Bank and its brand family are proud to be Canada’s leading alternative lending bank.About The RoleRisk and ComplianceReceive, review, analyse and verify mortgage applications for completeness, accuracy, suitability and risk to ensure compliance with all aspects of Home Trust Company’s underwriting policies, procedures and guidelines per delegated authority matricesAdhere to applicable compliance obligations including Privacy, Anti‑Money Laundering/Anti‑Terrorist Financing and internal Anti‑Fraud Policy requirementsFile Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity. Maintain consistent, objective and sound risk assessments in a high volume,



service‑oriented environmentFile ManagementMake prudent credit decisions on complex mortgage filesNegotiate loan terms according to assessed risk and to meet the interests of the client and Home TrustPrepare files and recommend mortgage deals for final approvalMaintain accurate information and detailed notes on applications, prepare and issue conditional mortgage commitments outlining all conditions that must be met to Home Trust’s satisfactionIssue mortgage commitment according to negotiated and approved termsCommunicationAdhere to defined Service Level Agreement in acknowledging applications and following up on additional required informationWork effectively with all internal business partners to improve underwriting systems to maximize effectiveness and achieve excellenceRemain current on latest developments within industry and market trends to secure competitive advantageWhat We’re Looking ForPost‑secondary degree or diploma required (University degree preferred) in related areaPreference will be given to those candidates with previous experience making direct submissions to CMHC Multi Res Team3‑5 years with mortgage lendingStrong understanding of commercial mortgage productsProficient in adjudicating credit, reviewing and assessing third‑party reportsWhat You’ll Love About Working HereAward‑Winning Culture: We’re proud to be recognized as a Outstanding Place to Work Canada 2025 and one of Montreal’s Top Employers 2025 by Canada’s Top 100 Employers.Work‑Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well‑being.Compensation Package: Competitive base salary plus an annual incentive bonus tied to performance.Comprehensive Benefits: Robust health and dental coverage through Manulife,



as well as virtual healthcare through Dialogue.Future‑Ready Savings: Group Retirement Savings Plan with up to 7% employer match.Exclusive Perks: Discounts from top retailers via WorkPerks, plus location‑based perks like gym memberships and Toronto Bike Share.On‑Site Fitness: Gym access at our London and Montreal offices.Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development.Family Support: Parental leave top‑up program to help you during life’s big moments.Community Impact: One paid volunteer day to give back to causes that matter to you.For more information on who we are as an employer click here.What You Can Expect - Pay & ProcessExpected base salary range is $63,000 - $75,000, plus the opportunity to earn an annual incentive bonus tied to performance.This posting is for an existing vacancy within our organization.Artificial intelligence may be used in parts of the recruitment process.All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire.If what you read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for first stages of the interview process.Learn more: https://www.Fairstone.Ca/en/about/canadian-lenderFollow us on LinkedIn: https://www.Linkedin.Com/company/fairstone/mycompany/If you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application.Fairstone is an equal opportunity employer. Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence.Time TypeFull timeJob TypePermanent#J-18808-Ljbffr

📌 Commercial Mortgage Underwriter - C$63,000 - C$75,000 A Year (Winnipeg)
🏢 Fairstone Bank
📍 Winnipeg